It’s not a “typical” Kiva loan from an entrepreneur seeking funding from borrowers. Instead, they have a fixed product (data capture device) which they provide to borrowers at a certain cost. Instead, they use revenue sharing with borrowers!

I heard back from my colleague and PT Ruma loans that are post on Kiva for borrowers to use to pay a deposit on an electronic data capture device for their bill pay service business have an interest rate is 0% and there are no fees. PT Ruma has a revenue sharing agreement with their agents, and makes money off of each transaction done on the EDC (for bill payments) as does the agent.

I hope this helps answer your questions.

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